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The original was posted on /r/ukpersonalfinance by /u/hilarioususernamelol on 2023-07-02 20:32:06+00:00.

I’m about to commit to a large home improvement project costing roughly £20k.

I can cover it entirely by pulling roughly half of my investments (blue chip stocks - Apple, Amazon, Nvidia as examples) - or i could instead get a personal loan at 5.3% instead (costing £21.1k in total).

Obviously this boils down to whether i’m confident that my stocks would out-perform a 5.3% return (which i feel they easily would given the last few months), but looking for some opinions and/or advice from others who have found themselves in a similar situation before. Thanks!